ATM withdrawals and Paypal fees in the Philippines

So something I uncovered visiting Philippines is ATMs are not allowing travelers to withdrawal more than 10,000 pesos at a time to charge more fees. I’m not sure if this is something widespread or just the 10+ ATM i’ve tried to take money out of my bank.

Also another interesting thing I uncovered is businesses and freelancers are paying 9%+ in fees to receive payments. It seems very excessive. People don’t make very good money here and it seems very predial of these financial institutions to take advantage.